Identity verification with ConnectPay user

Banking as a Service with integrated SCA uses ConnectPay solution for ID verification.

Use this endpoint if you want to do IDV for private client or corporate client representatives.

Identity verification with ConnectPay provider steps:

  1. Request identify verification redirect link via endpoint POST Initiate IDV session API. With success response you will get redirect link, ConnectPay’s created personid and IDV status. The link provided is valid for 24 hours. After this time, new IDV session needs to be created.
  2. With the received link ask client to perform identity verification.
  3. After successful IDV client will be redirected back or to successUrl if provided.
    1. If IDV is failed, then client will be redirected back or to failureUrl if provided.
    2. If IDV is dropped without ending the flow client will be redirected back or to dropUrl if provided.
  4. Platform must receive application status IDV_APPROVED:
    1. via webhook IDV status change notification. You can find information here how to subscribe ConnectPay webhooks
    2. or via endpoint GET IDV status API
  5. If Platform received status IDV_DECLINED or IDV_TOKEN_EXPIRED then need to start again from the first step
  6. When Platform has client IDV with status IDV_APPROVED and ConnectPay created personid that is provided in GET IDV status API response or IDV status change notification , Platform needs to provide additional details about client to open an account.
  7. To personalize credentials, this user should be logged out using Logout API and perform a new login via Login process. This action is a confirmation a user is linked with certain identity.
  8. Then a Platform is required to call POST Initiate personal application API with user’s access token. Currently, only private individuals can be onboarded via ConnectPay user solution, corporate onboarding is planned for the future.

Possible identity verification statuses

StatusDescription
IDV_TOKEN_GENERATEDThe IDV token of the end-user has been generated
IDV_APPROVEDThe IDV of the end-user has been approved
IDV_DECLINEDThe IDV of the end-user has been declined
IDV_TOKEN_EXPIREDThe IDV of the end-user has been expired and new token must be generated

User creation

Onboarding a private user

Manage accounts

Notifications

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